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Evidence · Car insurance

Every question, every answer, every source

Explore all 183 car-insurance questions and the 728 answers saved on 11 October 2026. Read the original responses and download the tables behind the study’s comparisons, sources, sentiment and factual checks.

questions
183
answers saved, of 732 planned
728
consumer situations
12
named regions
16
AI platforms
4

01

Every question, with its answers

Each question went to the four AI platforms. All were collected with a New Zealand setting. Open a question to read every captured answer in full.

Showing 20 of 183 questions

Show all 183

02

The tables behind the study

Every figure on the study page comes from these tables. They are CSV files, which open in any spreadsheet.

  • Questions

    questions.csv

    One row per question, with its exact saved wording.

    Question ID, source references, question, consumer situation, named regions, question group and collection setting

    183rows

    Download questions (CSV)

  • Answers

    answers.csv

    One row per captured answer, with its full text.

    Answer ID, question ID, platform, collection setting, consumer situation, named regions and full answer

    728rows

    Download answers (CSV)

  • Sources by answer

    sources.csv

    One row per website recorded as a source of an answer.

    Answer ID, question ID, assistant, collection setting, website and publisher type

    4,213rows

    Download sources by answer (CSV)

  • Checks against primary sources

    checks.csv

    One row per stated assertion checked, for one platform.

    Check, question and answer IDs, assistant, exact passage, verdict, primary-source finding, URL and date

    96rows

    Download checks against primary sources (CSV)

  • Consumer recommendation coding

    consumer-recommendation-coding.csv

    One row per reviewed provider role in a consumer-selection answer.

    Answer ID, question ID, consumer, platform, provider, role, counted recommendation, exact passage and conditions

    301rows

    Download consumer recommendation coding (CSV)

  • Consumer selection membership

    consumer-selection-membership.csv

    One row per answer in the matched consumer-selection comparison.

    Answer ID, question ID, consumer, platform, question group and full text; the same twelve questions per platform

    48rows

    Download consumer selection membership (CSV)

  • Ongoing support coding

    support-coding.csv

    One row per reviewed named-provider role in an eligible support answer.

    Answer ID, question ID, consumer, platform, provider, role, support-preference decision and exact passage

    49rows

    Download ongoing support coding (CSV)

  • Ongoing support membership

    support-membership.csv

    One row per answer in the actual consumer-support group.

    Answer ID, question ID, consumer, platform, question group and full text; acquisition validation is excluded

    32rows

    Download ongoing support membership (CSV)

  • Regional recommendation coding

    regional-recommendation-coding.csv

    One row per reviewed provider role in a region-named selection answer.

    Answer ID, question ID, named consumer region, platform, provider, recommendation decision and exact passage

    440rows

    Download regional recommendation coding (CSV)

  • Regional selection membership

    regional-selection-membership.csv

    One row per answer in the matched regional comparison.

    Answer ID, question ID, named consumer region, platform and equal-comparison membership; sixteen questions per platform

    64rows

    Download regional selection membership (CSV)

  • Insurer sentiment

    insurer-sentiment.csv

    One row per unique saved claim about an insurer in a selection answer.

    Claim, question and answer IDs, insurer, saved stance, exact passage and original-answer offsets

    1,926rows

    Download insurer sentiment (CSV)

  • Recorded source URLs

    source-urls.csv

    One row per recorded answer, website and URL association.

    Answer ID, question ID, platform, website, URL, source records and presence in the captured answer text

    6,056rows

    Download recorded source urls (CSV)

Use these tables to trace findings back to the original questions and answers. The full text of each answer is also on this page, under its question.

03

Read in full and checked

Some answers were read in detail or checked against official sources. Those appear on the study page, beside the findings they support.

ChatGPT · New Zealand

I use my car to make a few paid deliveries outside my main job. Do I need to tell my car insurer?

Yes — in New Zealand, you should tell your car insurer if you use your car to make paid deliveries, even if you only do a few deliveries outside your main job.

The important distinction is that paid delivery work is often excluded from ordinary private car insurance, even when the work is occasional. The Insurance Council of New Zealand specifically recommends checking your cover, and Consumer Protection NZ warns that using a private car for work such as deliveries may leave you without cover if you have an accident. Motor Insurance: What You Need to KnowCar insurance

Why it matters

What you should do

  1. Contact your insurer before doing any more deliveries, if possible.
  2. Explain that you use your personal car for occasional paid deliveries alongside your main job.
  3. Ask whether they can cover this activity, whether you need a commercial motor policy, and whether any extra premium or conditions apply.
  4. Get confirmation in writing, and check whether cover applies while travelling to collect an order, carrying the delivery, and returning afterwards.

You can read the guidance from Insurance Council of New Zealand and Consumer Protection NZ.

One question that could make a difference

What kind of deliveries do you make?

  • Food deliveries (such as Uber Eats or DoorDash)
  • Parcels or courier deliveries
  • Deliveries for a local business or shop

The answer will help me explain what type of insurance you may need and what to ask your insurer.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I use my car to make a few paid deliveries outside my main job. Do I need to tell my car insurer?

Yes, absolutely. You must inform your car insurer if you are using your vehicle to make paid deliveries (such as food delivery via Uber Eats, Delivereasy, Menulog, or courier work).

Failing to notify them can lead to serious consequences regarding your coverage:

  • Claim Declination: Standard private car insurance policies only cover "private, social, and domestic" use. If you are in an accident while logged into a delivery app or carrying paid goods, your insurer has the legal right to decline your claim entirely because the vehicle was being used for commercial purposes without disclosure.
  • Policy Cancellation: Not disclosing commercial use can be viewed as withholding material risk information, which may result in your insurer cancelling your policy or refusing to renew it in the future.

What you should do next:

  1. Contact your insurer: Let them know the exact nature of the deliveries you are doing (e.g., how often you do them and what you transport).
  2. Check for extensions or commercial policies: Some insurers offer specific "small business" policy add-ons or extensions that cover light delivery work. If your current provider doesn't cover it, you may need to switch to a provider that offers commercial or business vehicle insurance.

Are you currently covered by a standard private policy, or have you already started doing these deliveries?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I use my car to make a few paid deliveries outside my main job. Do I need to tell my car insurer?

AI Overview

Yes, you must tell your car insurer immediately. In New Zealand, standard private car insurance policies strictly cover social, domestic, and recreational driving, including your regular commute to your main job. They explicitly exclude commercial activities like paid deliveries.

Why You Must Notify Your Insurer

  • Risk of Denied Claims: If you have an accident while making a paid delivery—or even while logged into a delivery app waiting for a job—a standard private policy will not cover you. Your insurer can legally decline your claim, leaving you personally liable for damage to your car and any third-party property.

  • Policy Cancellation: Failing to declare business activities changes your risk profile. If your insurer finds out later, they can cancel your policy or void it entirely due to non-disclosure.

  • The "Business Use" Fact-Check: If you declare your delivery income or claim vehicle expenses on your taxes, New Zealand insurers can cross-reference patterns of business use during major claims investigations.

How New Zealand Insurers Handle Delivery Driving

Different providers manage paid delivery work (such as Uber Eats, DoorDash, Delivereasy, or parcel couriers) in distinct ways:

  • Strict Exclusions: Major providers like AA Insurance, initio, and Cove do not cover food or parcel delivery under private policies. If you use your car for these services, they will advise you to move to a commercial provider.

  • Commercial Policies or Add-Ons: Insurers like Tower, AMI, and State offer specific business vehicle insurance policies or commercial add-ons that can extend coverage to delivery driving.

What to Do Next

Call your current insurance provider before your next delivery shift and ask them:

  1. "Does my current policy cover me if I use my car for occasional food or parcel delivery?"

  2. "Can I add a commercial 'business use' extension to this policy?"

  3. "If you don't cover deliveries, what commercial vehicle policy options do you have?"

If you'd like to explore your options further, tell me which insurance provider you currently use or what delivery platform you are driving for so I can provide more specific guidance.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I use my car to make a few paid deliveries outside my main job. Do I need to tell my car insurer?

Yes, absolutely. You must inform your car insurer if you use your vehicle to make paid deliveries (such as food delivery via Uber Eats, grocery delivery, or parcel drop-offs).

Standard private or personal car insurance policies in New Zealand are strictly designed for social, domestic, pleasure, and standard commuting to a regular place of work. They explicitly exclude commercial activities, business use, or carrying goods for payment or income. [AMI Insurance]

What happens if you don't tell them?

  • Declined Claims: If you get into an accident while making a delivery and you only have a standard private policy, your insurer has the legal right to decline your claim entirely.

  • Policy Cancellation: Failing to disclose commercial use can be treated as a breach of your policy terms (nondisclosure), leading your insurer to cancel your policy or refuse future coverage.

What you need to do

Contact your insurance provider and let them know the specific type of delivery work you are doing and how often you do it. Depending on the insurer, they may:

  • Add an endorsement or extension for occasional business/delivery use to your existing private policy.

  • Recommend shifting to a commercial or small-business vehicle insurance policy.

If you'd like to share which company or app you deliver for (e.g., Uber Eats, a local courier, or private work) and how many days a week you do it, I can give you a better idea of what specific type of cover or policy adjustment you might need.

Ask anything

Captured 11 October 2026